It’s easier for a camel to enter the kingdom to pass through the eye of a needle
It is not about money. With each dollar, your desire, your urge to increase your value, your worth by one more dollar further increases till the time you are alive. True or false?
With money comes Ego, with money comes pride. Few people worship money. Few nations worship money. Take a peek at the culture of the Nation giving second largest immigrants to USA - They worship Goddess Lakshmi, A goddess of Money on every Divali, it's their festival of light. They worship money intensely.
When you worship money, when you keep thinking about adding further more, it's not easy for you my friend, to enter the kingdom of heaven with all that greed.
Bill Gates, classic example. At his age, what he should do? Going by what you suggest, he has earned enough and he should retire and distribute. What he is doing? Fund transfer, biolab inauguration and all? Where will he go?
--------------Greed curve grows more than even exponential growth curve---------------